A service charge of $7.00 will be charged to the account, if daily account balance falls below $1000.00.

$1,000.00 minimum to open account

Money Market Accounts

FREE Online Banking / Billpay

Accounts are available to all customers

Interest will be compounded daily and credited to your account monthly

If you close your account before interest is credited you will receive the accrued interest

Interest rate may change periodically without notice

A service charge of $10.00 will be charged if daily account balance falls below $1000.00

$1,000.00 minimum to open account

Interest begins to accrue on the business day that you deposit non cash items

Authorized Debits

Allowed 6 transfers from your account each statement cycle

Charges which may be applied to this account: $5.00 for each check transaction, each electronic debit, ACH, or Internet transaction in excess of 6 per statement cycle

ATM withdrawals are considered in person and are unlimited.

Withdrawals in person are unlimited.

Reward Checking

FREE Online Banking / Billpay

FREE first order of checks

No maintenance fee

No per check charge

Refund of foreign ATM fees- if all qualifications are met

Variable Rate: the interest rate and annual percentage yield for account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on account. We may change the interest rate daily.

Interest will be compounded daily and interest will be credited to the account monthly (Daily Balance Method: this method applies a daily periodic rate to the principal in the account each day)

If you close your account each before interest is credited, you will receive the accrued interest

Interest begins to accrue based on a ledger balance

Interest begins to accrue on the business day that you deposit non cash items

Must have at least twelve (12) POS Debit card transactions post and clear per qualification cycle

Must have at least one (1) ACH debit or credit transaction post and clear per qualification cycle

Must receive E-Statements (Internet Banking)

Must have a valid email address

If all qualifications are met:
- 0.90% Interest Rate/ 0.90% Annual Percentage Yield will be paid to any balance up to $5,000.00 (Interest Rate as of 06/14/2014)
- .25% Interest Rate/ .25% Annual Percentage Yield will be paid to any balance over $5,000.00 (Interest Rate as of 06/14/2014)

If all qualifications are not met:
- A base rate (default rate) of .05% Interest Rate/ .05% Annual Percentage Yield will apply to the entire balance

Rate Tier: The payment of a higher rate of interest is not tied to the balance in the account of the dollar amount of the transactions; rather, it is tied to the number of transaction during the statement cycle

$100.00 minimum to open account

This product is limited to those persons residing in the following counties. Washington, Johnson, Jefferson, Hancock, Glascock, Baldwin, and Wilkinson.

Reward Checking-REALSaver

FREE Online Banking / Billpay

FREE first order of checks

No maintenance fee

No per check charge

Refund of foreign ATM fees- if all qualifications are met

Variable Rate: the interest rate and annual percentage yield for account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on account. We may change the interest rate daily.

Interest will be compounded daily and interest will be credited to the account monthly (Daily Balance Method: this method applies a daily periodic rate to the principal in the account each day)

If you close your account each before interest is credited, you will receive the accrued interest

Interest begins to accrue based on a ledger balance

Interest begins to accrue on the business day that you deposit non cash items

Must have at least twelve (12) POS Debit card transactions post and clear per qualification cycle

Must have at least one (1) ACH debit or credit transaction post and clear per qualification cycle

Must receive E-Statements (Internet Banking)

Must have a valid email address

If all qualifications are met:
- 0.90% Interest Rate/0.90% Annual Percentage Yield will be paid to any balance up to $5,000.00 (Interest Rate as of 06/14/2014)
- .25% Interest Rate/ .25% Annual Percentage Yield will be paid to any balance over $5,000.00 (Interest Rate as of 06/14/2014)

If all qualifications are not met:
- A base rate (default rate) of .05% Interest Rate/ .05% Annual Percentage Yield will apply to the entire balance

Rate Tier: The payment of a higher rate of interest is not tied to the balance in the account of the dollar amount of the transactions; rather, it is tied to the number of transaction during the statement cycle

$100.00 minimum to open account

This product is limited to those persons residing in the following counties. Washington, Johnson, Jefferson, Hancock, Glascock, Baldwin, and Wilkinson.

This checking product is available in conjuction with the REALSaver Savings Account.

Commercial Checking

Commercial Accounts

Keep a minimum daily balance of $1000.00 in your account and pay no service charges.